Overall it's a great resource! Overall I like using Scratch Pay for vet bills. I have 3 pups and it can get expensive. However, I was disappointed when my request for a plan was denied, due to a slight drop in my credit score. It didn't count that I had never missed a Scratch Pay payment.

Always a nice cushion to have Always a nice cushion to have, easy to use, friendly and helpful customer service line. Used several times, minimal problems

Fast and helpful but... This was great how fast and helpful it was when I needed it, the one thing I didn't like was not being able to set up an autopay that I could find (if there is one, it's not easy to find) for an interval that would give no interest. It was seemingly like trying to only get me to do a payment in a way where I would pay interest

ScratchPay has saved my babies lives… ScratchPay has saved my babies lives many times over. Times are tough and I appreciate ScratchPay is willing to help me help my pets have a better life. I’m sure our vet office also appreciates they are willing to collect payments I appreciate my vet participates with ScratchPay! Thank you to both!!

There When I Needed Them The ease of making payments to my plan is the best that I've seen. The funding was needed to pay for a hospital visit for a very sick kitten. Sadly, the kitten had to be euthanized, but Scratch Pay was there to help me pay for the services rendered at the hospital.